# Todd Latocha

> Todd Latocha is a fee-only financial advisor at Blackwater Financial in Fairmont, West Virginia, who holds the CFP credential. Blackwater Financial reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/todd-latocha/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Blackwater Financial
- **Based in:** Fairmont, West Virginia
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $46.5M across 189 accounts
- **Credentials:** CFP
- **CRD:** 6266874 (https://adviserinfo.sec.gov/individual/summary/6266874)
- **SEC registration:** Investment adviser representative in CA, TX, WV
- **Exams passed:** Series 63 (2013), Series 66 (2017)
- **Firm size:** 2 employees
- **Disclosures:** None reported

## Frequently asked questions

### Is Todd Latocha a fee-only financial advisor?

Yes. Todd Latocha is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Todd's firm.

### How does Todd charge for financial advice?

Todd's firm, Blackwater Financial, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Todd Latocha based?

Todd Latocha is based in Fairmont, West Virginia.

### What credentials does Todd Latocha hold?

Todd Latocha holds the CFP credential.

### Is Todd Latocha registered with the SEC?

Yes. Todd Latocha is registered as an investment adviser representative in CA, TX and WV (CRD 6266874), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Blackwater Financial manage?

Blackwater Financial reports $46.5M across 189 accounts in assets under management.

### How do I contact Todd Latocha?

Contact details aren't on file yet. Search for Blackwater Financial.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/todd-latocha-84403): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.